Schengen Travel Medical Insurance
If you’re an expatriate travelling to the Schengen Area, Expatriate Group’s Visa PLUS Plan offers the comprehensive Schengen travel medical insurance you need. This plan meets all Schengen visa insurance requirements, ensuring you’re fully covered for emergency medical expenses while visiting Europe.
Schengen medical insurance made easy with our Visa PLUS Plan
The Visa PLUS Plan is a Schengen-compliant travel medical insurance policy specifically designed for expatriates who live abroad but travel to Europe. It provides cover for acute, sudden, and unforeseen medical emergencies during your trip, including hospitalisation, evacuation, and repatriation.
This flexible plan allows you to choose 6- or 12-month cover, ideal for single trips, one-way journeys, or frequent European travel.
Schengen medical insurance made easy with our Visa PLUS Plan
What’s Covered
Your Visa PLUS Plan includes all the essential benefits required by embassies for Schengen visa applications, plus valuable additional cover for expats on the move:
- Emergency medical treatment, including:
- Doctor, nurse, and specialist care
- Hospitalisation and surgery
- Prescribed drugs and dressings
- Anaesthesiology
- Physiotherapy and chiropractic treatment
- Emergency dental treatment for pain relief
- Emergency evacuation and repatriation, including:
- Air and road ambulance
- Medical accompaniment when needed
- Repatriation of mortal remains
Maximum annual benefit: €35,000 in total.
What’s Not Covered
To ensure transparency, the Visa PLUS Plan does not cover:
- Pre-existing medical conditions (unless Stable Pre-existing Condition option is selected)
- Extreme or high-risk sports
- Treatment costs over €1,000 without prior approval
- Illness or injury caused by alcohol or drug use
- Treatment that can safely wait until you return home
- Travel to destinations under FCDO “Do Not Travel” advisories
- Trips in your country of residence
Policy Benefits
Key Benefits of our Schengen Travel Medical Insurance
Our Schengen travel medical insurance is created specifically for expatriates and international travellers who need reliable medical protection while visiting Europe. The Visa PLUS Plan offers essential benefits that meet Schengen visa requirements, giving you confidence that you’re covered for medical emergencies abroad.
We understand that every journey is different which is why our policy is designed to be both comprehensive and flexible. You can choose the level of cover that suits your needs, with options for single or multiple trips, and benefit from additional features like emergency evacuation and repatriation.wha
Emergency Medical Evacuation
If you become seriously ill or injured while travelling in the Schengen Area, our Schengen travel medical insurance ensures that you receive immediate and appropriate medical care. The Visa PLUS Plan includes full cover for emergency medical evacuation, meaning you will be transported to the nearest suitable medical facility or repatriated if required. Whether you need air or road ambulance support, your evacuation costs are fully covered so you can focus on getting the help you need.
Emergency & Accidental Medical Treatment
Medical emergencies can be both stressful and expensive when you are away from home. With the Visa PLUS Plan, you are covered for the full cost of emergency and accidental medical treatment while visiting Schengen countries. This includes hospitalisation, surgery, prescribed medication, anaesthetics, physiotherapy, and emergency dental treatment for pain relief. You can travel with confidence knowing that essential medical care will be available without unexpected costs.
Enhanced Benefits & Protection
The Visa PLUS Plan provides all the essential cover required for Schengen visa compliance, with the option to extend your protection if you need additional benefits. For expatriates who travel often or want extra reassurance, we offer optional upgrades and destination-specific enhancements. You can customise your policy to suit your trip by adding extended duration or increased levels of cover.
Cancellation and Curtailment Cover
Travel plans sometimes change unexpectedly. The Visa PLUS Plan allows you to add cancellation and curtailment cover so you can protect the costs of your trip. This benefit helps you recover non-refundable expenses if you need to cancel before departure or return home early due to unforeseen circumstances. It offers valuable financial protection if your journey does not go as planned.
The Benefit Schedule
Schengen Medical Insurance Plan Benefits
The benefit schedule below is applicable to Expatriate Group’s Schengen Travel Medical Insurance. It is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.
| BASIC Medical Treatment & Evacuation | |||
|---|---|---|---|
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Air Ambulance | 100% per Trip | ||
| Accompaniment | $/€300 per day up to $/€3,000 per Trip | ||
| Continuation | $/€5,000 per Trip | ||
| Repatriation for Medical Treatment | 100% per Trip | ||
| Care Management | 100% per Trip | ||
| Acute/emergency Sickness and Injury | 100% per Trip | ||
| Treatment by authorized physicians, nurses and specialists | 100% per Trip | ||
| Hospitalization (semi-private rooms) | 100% per Trip | ||
| Surgery, anesthesiologist | 100% per Trip | ||
| Prescribed medicines, dressings | 100% per Trip | ||
| Local transport to and from the place of treatment | 100% per Trip | ||
| Treatment by physiotherapists and chiropractors | $/€2,500 per Trip | ||
| Medically Necessary required durable medical equipment | 100% per Trip | ||
| Limited motorcycle and sports vehicle coverage for injuries only | $/€10,000 per Trip | ||
| Emergency dental treatment for immediate relief of pain | $/€500 per Trip | ||
| Non-Hazardous Sports Coverage | $/€150,000 per Trip | ||
| Other Benefits | |||
| Repatriation of Mortal Remains | $/€25,000 per Trip | ||
| ATMSafe | $/€500 per Trip | ||
| STANDARD Enhanced Benefit Options | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Baggage Delay 1 | $/€100 per day up to $/€700 per Trip | ||
| Baggage Loss/Theft | $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip | ||
| Personal Liability | $/€100,000 per Trip | ||
| Accidental Death & Disability / Permanent Total Disability | $/€100,000 per Trip | ||
| Additional Hospital Benefit (per day / total benefit) | $/€75 per day up to $/€600 per Trip | ||
| Physical Assault | $/€5,000 per Trip | ||
| Money and Documents (tickets, cash, banknotes) | $/€500 per Trip | ||
| Loss of Passport | $/€250 per Trip | ||
| Travel Delay 1 | $/€100 per day up to $/€1,000 per Trip | ||
| Missed Departure | $/€1,000 per Trip | ||
| Legal Expenses | $/€10,000 per Trip | ||
| Hijacking | $/€1,000 per Trip | ||
| Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters | $/€1,500 per Trip | ||
| 1. Benefit does not apply to One Way Trips | |||
| COMPREHENSIVE Cancellation and Curtailment Cover | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Cancellation and Curtailment 2 | $/€2,000 per Trip; subject to $/€100 Deductible per Trip | ||
| Compassionate Repatriation (Family Return) | $/€6,000 per Trip | ||
| 2. Benefit not available to residents of the USA | |||
|
Add On Option 1 Winter Sports Package – Limited to 21 days aggregate per Policy Period |
|||
| Ski Equipment | |||
| Owned | Up to $/€300 | ||
| Hired | Up to $/€300 | ||
| Single item limit | $/€300 | ||
| Unreceipted Items Limit | Up to $/€150 | ||
| Unreceipted Single Item Limit | Up to $/€50 | ||
| Ski Hire | $/€25 per day up to $/€300 | ||
| Ski Pack | $/€25 per day up to $/€300 | ||
| Piste Closure | $/€25 per day up to $/€300 | ||
| Delay Due to Avalanche | Up to $/€300 | ||
|
Add On Option 2 Business Equipment & Money |
|||
| Business Equipment | Up to $/€1,500 | ||
| Single Item Limit | $/€500 | ||
| Computer Equipment Single Item Limit | $/€750 | ||
| Samples Limit | $/€400 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Delayed Business Equipment | $/€100 per day up to $/€300 | ||
| Emergency Courier of Essential Business Equipment | Up to $/€400 | ||
| Business Equipment Hire | $/€100 per day up to $/€500 | ||
| Business Money | Up to $/€500 | ||
| Cash Limit | $/€200 | ||
|
Add On Option 3 Golf Cover – Limited to 21 days in aggregate per Policy Period |
|||
| Golf Equipment | Up to $/€1,000 | ||
| Single Item Limit | $/€200 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Golf Equipment Hire | $/€50 per day up to $/€250 | ||
| Non-Refundable Golfing Fees | $/€50 per day up to $/€250 | ||
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Medical Insurance for Schengen Visa FAQs
What is Schengen travel medical insurance?
Schengen travel medical insurance is a policy that provides emergency medical cover while travelling within the Schengen Area. It is a requirement for many travellers applying for a Schengen visa and must include benefits such as emergency medical treatment and repatriation.
Does the Visa PLUS Plan meet Schengen visa requirements?
Yes. The Visa PLUS Plan is fully compliant with Schengen visa regulations. It includes emergency medical cover, hospitalisation, prescribed medication, evacuation, and repatriation up to the required limits.
Who is the Visa PLUS Plan designed for?
The plan is designed for expatriates and international travellers who need short-term medical cover while visiting Schengen countries. It is not intended for people residing long-term in the Schengen Area.
What medical treatments are covered?
The plan covers emergency and accidental medical treatment, including hospitalisation, surgery, prescribed drugs, dressings, diagnostic care, emergency dental treatment for pain relief, and follow-up treatment required during your trip.
Are pre-existing medical conditions covered?
Pre-existing conditions are not covered unless you have selected the Stable Pre-existing Condition endorsement. Without this, any treatment linked to an existing condition will be excluded.
Are all countries in Europe covered?
The Visa PLUS Plan provides cover throughout the European Union and EEA countries, keeping you compliant with Schengen visa travel insurance regulations. It does not cover travel outside your selected area or within your country of residence.
What is the maximum age for purchasing this insurance?
The maximum entry age for the Visa PLUS Plan is 71 years old at the start of the policy.
How long can I be covered for?
Policies are available for 6 or 12 months and can be renewed for up to 2 years in total. The policy must cover the full duration of your trip.
Does this insurance include cancellation cover?
Cancellation and curtailment cover is optional. You can choose to add this benefit if you want protection against trip cancellation or the need to return home early due to unforeseen circumstances.
How much does Schengen travel medical insurance cost?
Pricing depends on the duration of your trip, your age, and the level of cover you select. You can obtain an instant online quote by completing our quick application form.
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